CM Punjab Business Loan Scheme 2025 – Apply Online via AKF/AKC Portal
The Government of Punjab has once again stepped forward to empower the youth and small entrepreneurs by launching the CM Punjab Business Loan Scheme 2025. Through the AKF/AKC online portal, applicants can now easily register and apply for interest-free or low-markup loans to start or expand their businesses.
This initiative aims to create new job opportunities, boost local entrepreneurship, and support Pakistan’s growing startup culture. In this guide, we’ll explain how to apply, who qualifies, what documents you’ll need, and how to track your loan status online. By the end, you’ll know the complete process and requirements for applying successfully.
What is the CM Punjab Business Loan Scheme 2025?
The Chief Minister Punjab Business Loan is a financial assistance program designed to help young professionals, graduates, and small business owners gain access to easy loans without complex banking procedures.
The scheme is being managed in collaboration with Akhuwat Foundation (AKF) and Akhuwat Karobar Center (AKC), two trusted organizations known for their transparent, interest-free microfinance model.
Under this program, loans are available for multiple sectors including:
WhatsApp Channel- Small shops and startups
- Agriculture and livestock businesses
- Women-led home enterprises
- IT and e-commerce ventures
- Technical and service-based businesses
Eligibility Criteria
To apply for the Punjab Government Business Loan 2025, applicants must meet the following requirements:
| Requirement | Details |
| Age Limit | 18 to 45 years |
| Residency | Must be a permanent resident of Punjab |
| Education | At least matriculation or vocational skills certification |
| Business Plan | Clear and feasible business idea or running setup |
| CNIC | Valid and updated NADRA-verified CNIC |
| Income Proof | Required for running businesses or partnerships |
Priority will be given to youth, women, and differently-abled persons to ensure inclusive participation across Punjab.
How to Apply Online via AKF/AKC Portal
Follow these simple steps to register online:
- Open the official AKC/AKF portal at www.akhuwat.org.pk or the dedicated Punjab Business Loan section.
- Click “Apply Now” under the CM Business Loan 2025 option.
- Fill in your personal information, CNIC number, and contact details.
- Provide your business plan or purpose of the loan.
- Upload the required documents (CNIC, photo, and income proof).
- Submit the form and note your application tracking number.
Once submitted, your form will be reviewed by Akhuwat officials, and you’ll be notified via SMS or email about the next steps such as verification or interview scheduling.
Required Documents
Make sure you have the following before applying:
- Original and photocopy of CNIC
- Two passport-size photos
- Business plan or written proposal
- Proof of income or existing business (if applicable)
- Utility bill of residence or business location
Having complete documents ensures your application isn’t delayed during verification.
Loan Amounts and Categories
| Category | Loan Range | Tenure | Type |
| Startup / Micro Business | Rs. 100,000 – Rs. 500,000 | 2 years | Interest-free |
| Small Business Expansion | Rs. 500,000 – Rs. 2,000,000 | 3 years | Low-markup |
| Women Entrepreneurs | Rs. 50,000 – Rs. 1,000,000 | 2 years | Interest-free |
| Agriculture & Livestock | Rs. 100,000 – Rs. 1,500,000 | Seasonal | Low-markup |
The program also allows flexible repayment options through monthly or quarterly installments, depending on the business type.
Verification and Approval Process
After you submit your application:
- Initial Screening: Portal verifies CNIC and documents.
- Interview Call: Shortlisted applicants are invited for an interview at the nearest Akhuwat Karobar Center (AKC).
- Loan Approval: Once your business plan is approved, loan disbursement is processed.
- Fund Transfer: The amount is issued directly through partner banks or microfinance centers.
Each step is monitored to ensure transparency and fair distribution.
How Akhuwat Ensures Fair Loan Distribution Across Punjab
Akhuwat Foundation has built a strong reputation for transparency and fairness in its loan programs. Under the CM Punjab Business Loan Scheme 2025, Akhuwat follows a community-based model where every loan application is verified through local centers to ensure funds go only to genuine applicants.
Instead of relying solely on online data, Akhuwat teams visit applicants’ areas, assess their business ideas, and confirm income details through social investigation reports. This human-centered system prevents misuse and promotes trust.
Moreover, the foundation works closely with district committees and mosques to monitor repayments and encourage borrowers to reinvest profits in their local communities. This approach not only supports equal opportunity but also strengthens Punjab’s small business ecosystem by empowering deserving entrepreneurs fairly and transparently.
Important Dates
| Event | Date |
| Application Start | October 2025 |
| Last Date to Apply | 30 November 2025 |
| Interview & Verification | December 2025 |
| Loan Disbursement | January 2026 |
Applicants should keep checking the official portal for any updates or changes in schedule.
Helpline and Support
For queries or application assistance, you can contact:
Akhuwat Foundation Helpline: 042-111-448-464
Email: [email protected]
Official Portal: www.akhuwat.org.pk
Visit your nearest Akhuwat Karobar Center (AKC) for in-person guidance.
Conclusion
The CM Punjab Business Loan 2025 is a golden opportunity for Pakistan’s youth to turn their ideas into reality. With an easy, transparent online process and the backing of Akhuwat Foundation, starting your own business has never been simpler.
Those who take initiative early will benefit from better chances of approval and faster fund disbursement.
